| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.7% | +3.0% | -2.3 pts |
| Deposit growth (YoY) | +7.4% | +2.5% | +4.9 pts |
| Loan growth (YoY) | -4.9% | +2.6% | -7.5 pts |
| ROA | 1.18% | 0.99% | +0.2 pts |
| ROE | 11.7% | 8.1% | +3.6 pts |
ROA ranks in the 61st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $96.4M | $85.7M | $69.9M | $10.2M | $564K | 1.18% | 4.33% | 0.96% |
| Q1 2026 | $96.6M | $86.7M | $68.8M | $9.3M | $221K | 0.93% | 4.25% | 3.40% |
| Q4 2025 | $94.1M | $81.5M | $72.1M | $9.6M | $363K | 0.38% | 4.07% | 1.41% |
| Q3 2025 | $93.1M | $82.9M | $70.9M | $8.9M | $150K | 0.21% | 4.00% | 2.07% |
| Q2 2025 | $95.8M | $79.8M | $73.5M | $8.7M | $-15K | -0.03% | 3.89% | 2.38% |
| Q1 2025 | $95.9M | $84.0M | $73.1M | $8.8M | $142K | 0.58% | 3.90% | 2.45% |
| Q4 2024 | $98.6M | $76.9M | $74.4M | $8.8M | $658K | 0.64% | 3.40% | 1.24% |
| Q3 2024 | $102.9M | $76.9M | $72.0M | $8.8M | $363K | 0.47% | 3.33% | 1.17% |
Loan mix (Q2 2026): real estate $46.5M · commercial $11.0M · consumer $379K · securities $19.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.18% | 0.99% | 61th | |
Return on equity Annualized net income ÷ equity or net worth | 11.7% | 8.1% | 70th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.33% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.1% | 70.8% | 16th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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